| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 P.O BOX 28852 NEW YORK CITY, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $110K | $92K | $202K | 5.45% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK CITY, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $39K | $39K | 2.48% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH AND BENEFITS LLC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | $0 | $54K | 8.99% |
| JAMES CORTIGLIA | 165 BROADWAY AVENUE 21ST FLOOR NEW YORK, NY 10006 | ZURICH AMERICAN LIE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH AND BENEFITS LLC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | $0 | $36K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH AND BENEFITS LLC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK CITY, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 5.48% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH AND BENEFITS LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANYOF AMERICA | $16K | $0 | $16K | 20.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS EIN 05-0340626 CLAIMS PROCESSOR - RX | Claims processing Service code 12 | — | $16.4M |
| UNITED HEALTHCARE SERVICE INC. EIN 41-1289245 CLAIMS PROCESSOR-MEDICAL | Other services; Claims processing Service code 12 | — | $7.3M |
| KAISER FOUNDATION HEALTH PLAN INC. EIN 94-1340523 CLAIMS PROCESSOR-MEDICAL | Other services; Claims processing Service code 12 | — | $1.1M |
| ANTHEM EIN 95-3760980 CLAIMS PROCEESOR - EAP | Claims processing Service code 12 | — | $431K |
| DELTA DENTAL EIN 94-1461312 CLAIMS PROCESSOR - DENTAL | Claims processing Service code 12 | — | $341K |
| BSWIFT EIN 36-4391310 COBRA ADMINISTRATOR | Contract Administrator Service code 13 | — | $98K |
| VISION SERVICE PLAN EIN 94-1622821 CLAIMS PROCESSOR - VISION | Claims processing Service code 12 | — | $79K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 14,341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 21,948 | $5.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 13,366 | $3.2M |
| Other(10 contracts, 6 carriers) | DELTA DENTAL OF CALIFORNIA | 21,948 | $29.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,948 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.